If you want to make a mortgage, we must first understand these problems:
1. Let's start with mortgage. What is mortgage? It refers to a credit method in which a borrower applies for a loan from a bank with his own or a third person's property as collateral for comprehensive consumption such as buying a car and buying a house, and the borrower repays the principal and interest to the bank in installments or at one time.
2. Loan conditions: a natural person who has reached the age of 18-60, has full capacity for civil conduct, has a long-term and stable income source and is sufficient to pay the monthly loan principal and interest; The property right of the house is clear and there is no other mortgage; The age of the house plus the loan period shall not exceed 40 years; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.
3. The mortgaged house requires you to bring the following information: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of the business license of the unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; The original and photocopy of the house ownership certificate and the original house purchase agreement; Notarial certificate and loan use certificate of the house owner and the * * * owner agreeing to mortgage; Guarantor (ID card, household registration book, marriage certificate, etc. are required. ).
4. Loan finance and year. The starting point of real estate mortgage consumer loan is 5,000 yuan, and the maximum value does not exceed 70% of the mortgage real estate assessment value. The loan period is generally not more than five years, and the longest can be ten years. The latest benchmark interest rate table shows that the benchmark interest rate for bank loans over five years is 6. 14%, and the mortgage interest rate is different from the mortgage interest rate. The mortgage interest rate of the house rises on the basis of the benchmark interest rate, and the mortgage interest rate of the first suite falls 10-30%, which is their main difference.
Then let's take an example to calculate the interest to be paid according to the mortgage interest rate of the house, so that we can better understand:
If through the analysis of the interest rate table of real estate mortgage loan, A wants to mortgage the house, and the loan is 200,000 yuan, which will be repaid in five years. How can the interest be repaid? Average capital method, according to the latest benchmark interest rate, the first month is 200,000 * 6.14%/12 =1023.33 yuan, which is the interest payable in the first month, and the principal is 200,000/60 = 3,333.33 yuan, so the principal is repaid in the first month. Similarly, the interest paid in the second month is193333.33 * 6.14%//kloc-0.2 =1006.28 yuan, and the principal is 3333.33, so the principal and interest paid in the second month is1003.
The above is some knowledge about the loan interest rate that we summarized through the analysis of the mortgage interest rate table. I hope you can read it carefully, or you can calculate the principal and interest you want to pay back according to the above calculation method. If you still don't understand anything, you can continue to consult us and we will give you a more detailed answer!